PackageTrendsPeer
Letter portraitLegal landscape

Hamilton County School Employees

Cincinnati, OH · Charter 65280

Q3 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2011, the quarter ended September 30, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hamilton County School Employees

Cincinnati, OH · Charter 65280

Q3 2011

$24.4MAssets
$12.1MLoans
$21.9MShares
$2.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.01%, down 13 bps year over year; NIM at 2.44%.
  • Asset quality: problem loans at 0.78% of loans (-38 bps YoY).
  • Capital: net worth / assets of 10.19%, down 16 bps from a year ago.
  • Funding: loans stand at 55.05% of shares as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

0.01%-13 bps YoY

Net Interest Margin (YTD, annualized)

2.44%-31 bps YoY

Efficiency Ratio (YTD, annualized)

99.78%+359 bps YoY

Net Worth / Assets

10.19%-16 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2010Q3 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets0.14%0.09%0.09%0.05%0.01%-13 bps
Return on Equity1.31%0.84%0.93%0.53%0.07%-125 bps
Net Interest Margin2.75%2.79%2.45%2.46%2.44%-31 bps
Efficiency Ratio96.19%92.74%97.04%98.27%99.78%+359 bps
Growth
Asset Growth (YoY)8.73%6.05%9.44%6.38%1.33%-740 bps
Loan Growth (YoY)-4.68%-10.37%-14.92%-15.01%-13.90%-922 bps
Share Growth (YoY)9.00%6.78%10.70%7.06%1.61%-739 bps
Asset Quality
Delinquent Loans / Loans1.15%1.25%0.98%0.86%0.78%-38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.65%0.72%0.68%0.67%0.55%-10 bps
Capital
Risk-Based Capital10.35%10.37%9.96%10.07%10.19%-16 bps
Net Worth / Assets10.35%10.37%9.96%10.07%10.19%-16 bps
Liquidity & Funding
Loans / Shares64.97%61.59%57.43%55.51%55.05%-992 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps